Creating an affirmative defense for certain civil and criminal actions arising from the sale of certain alcoholic drinks and nonintoxicating beer by licensed private clubs to persons under the age of twenty-one

Relating to the Public Employees Retirement System and the Teachers Retirement System; and providing a one-time supplement for annuitants and survivor beneficiaries after being retired five consecutive years

Permitting the period of service by veterans of the conflicts in Granada, Lebanon and the Panama Canal be allowed as military service credit for persons who are eligible for public employees retirement benefits

Requiring disclosure of higher annual percentage rate upon refinancing of a loan not secured by real estate and to provide a reasonable, tangible net benefit to the borrower in any refinancing of a loan or sale that is secured by real estate

Repealing existing provisions on limited benefit plans and creating a new program under which insurance companies would submit limited benefit plans, individual and group, for approval by the commissioner